Cash Flow Loans for Self-Employed Borrowers—A Flexible Path to Homeownership

The Self-Employed Mortgage Solution You’ve Been Waiting For

If you’re self-employed, you know how challenging it can be to qualify for a home loan using traditional income documentation. Business owners, freelancers, and gig workers often take legitimate deductions that reduce their taxable income—great for taxes, not so great for mortgage applications.

That’s where Cash Flow Loans (also known as bank statement loans) come in. Instead of relying on tax returns, these loans use your actual cash flow—verified through 12–24 months of bank statements—to qualify you.

Why Cash Flow Loans Are a Game Changer

• Income Verified by Bank Deposits: Lenders review your business or personal bank statements to see real revenue.
• No Tax Returns Required: Your eligibility is based on deposits, not after-deduction taxable income.
• Flexible Property Use: Available for primary residences, second homes, and investment properties.
• Custom Loan Structures: Choose from different terms and down payment options to match your goals.

Who Benefits Most from a Cash Flow Loan?

• Entrepreneurs and small business owners with fluctuating income
• Real estate investors who want to avoid traditional income documentation
• Independent contractors, freelancers, and gig economy professionals
  Borrowers who have been turned down for conventional loans due to tax write-offs

If you’ve been told you don’t qualify for a mortgage because of your tax returns—but your bank statements tell a different story—a bank statement mortgage could be your solution. Cash Flow Loans make it possible for self-employed borrowers to buy, refinance, or invest without changing how they run their business.

For more information about Choice Mortgage Group, visit www.choicemortgage.com.

Choice Mortgage Group
2424 N Federal Hwy, Suite 100 Boca Raton, FL 33431
(561) 395-6900
info@choicemortgage.com